Terms of Service

Welcome to Home Loan Tree. By accessing or using our website and directory services, you agree to be bound by these Terms of Service ("Terms"). Please read these Terms carefully before using our platform.

If you disagree with any part of the terms, then you do not have permission to access the Service. These terms apply to all visitors, users, and others who access or use Home Loan Tree.

1. Information and Directory Usage

Home Loan Tree operates as an educational resource and localized directory for homeowners researching reverse mortgages (HECM loans). We provide aggregated data, including state-licensed mortgage professionals, national brand affiliates, and educational guides.

• Not a Lender: Home Loan Tree is unequivocally not a lender, loan originator, loan processor, or underwriter. We do not make credit decisions, issue loans, or guarantee loan approvals.
• Accuracy of Information: While we strive to manually verify National Mortgage Licensing System (NMLS) statuses and broker information, data may occasionally become outdated. You agree to independently verify the licensure and credentials of any financial professional before signing legal agreements.
• No Financial Advice: Content found on Home Loan Tree is strictly for informational and educational purposes. It does not constitute professional financial, tax, or legal advice.

2. Affiliate Relationships & Monetary Disclosure

Operating Home Loan Tree requires significant resources. To keep our directory completely free for homeowners, we may utilize affiliate marketing relationships.

When you interact with certain "Recommended Nationwide Lenders" or affiliate links on our site, we may receive financial compensation (a referral fee or lead generation fee) if you choose to procure services with them. This compensation may impact the placement or prominence of certain partners on our platform. Regardless of compensation, we only partner with organizations we believe uphold strong ethical standards for senior clientele.

3. User Conduct and Restrictions

Our Service must be used for lawful purposes specifically relating to personal real-estate and financial research. You agree not to:

• Scrape, mine, or automatically collect data from our directory for the purpose of building competing databases or generating mass-marketing lists.
• Submit false, misleading, or deceptive information into our contact forms or guide request portals.
• Attempt to bypass, disable, or interfere with security-related features of the platform.

4. Intellectual Property

The Service and its original content (excluding publicly sourced broker data/logos), features, and functionality are and will remain the exclusive property of Home Loan Tree and its licensors. Our brand, custom written guides, logo, and unique layout designs are protected by copyright and intellectual property laws of the United States.

5. Limitation of Liability

In no event shall Home Loan Tree, nor its directors, employees, partners, agents, suppliers, or affiliates, be liable for any indirect, incidental, special, consequential, or punitive damages, including without limitation, financial loss, data loss, or emotional distress resulting from your use of an affiliate lender, a local directory broker, or the implementation of information found within our educational guides.

6. Jurisdiction and Governing Law

These Terms shall be governed and construed in accordance with the laws of the State of California, United States, without regard to its conflict of law provisions. Our failure to enforce any right or provision of these Terms will not be considered a waiver of those rights.

7. Modifications to Terms

We reserve the right, at our sole discretion, to modify or replace these Terms at any time. By continuing to access or use our Service after those revisions become effective, you agree to be bound by the revised terms.

8. Contact Us

If you have any questions or concerns regarding our Terms of Service, please reach out to us via our Contact Page.